Winchester, VA home prices
Typical home $384,629 · +1.4% in a year · income needed $103,500
The Winchester, VA metro area ranks 174 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +1.4% in a year and +22.2% over five years. With 20% down at 7.11%, the typical home costs about $2,416 a month including 0.48% property tax (Frederick County rate).
Mortgage on the typical Winchester home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $76,926 | $307,703 | $2,070 | $0 | $346 | $2,416 | $103,500 |
| 10% down | $38,463 | $346,166 | $2,329 | $144 | $346 | $2,819 | $120,800 |
| 5% down | $19,231 | $365,397 | $2,458 | $152 | $346 | $2,956 | $126,700 |
| 3.5% down (FHA) | $13,462 | $377,662 | $2,541 | $170 | $346 | $3,056 | $131,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.48% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Counties in the Winchester area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Frederick County, VA | $428,315 | +1.3% | 0.48% |
| Winchester City, VA | $351,816 | +1.4% | 0.76% |
| Hampshire County, WV | $256,369 | +3.4% | 0.38% |
What can you afford in Virginia on your salary? · Virginia home prices · Salaries in Virginia
Frequently asked questions
How much is a house in Winchester?
The typical home in the Winchester, VA metro area is worth $384,629 (Zillow, September 2026).
What salary do you need to buy a house in Winchester?
About $103,500 a year for the typical home with 20% down at 7.11%.